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The Budget Mom

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  • BUDGETING
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        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • Living on a budget can be as challenging as sticking to a diet or committing to a workout routine. Here are tips to avoid burnout so you can achieve your goals!

          How to Avoid Budget Burnout: 5 Tips to Stay the Course

          When creating a budget, most of us focus on tracking our expenses, but tracking your income is just as important. This includes knowing your starting balance.

          What is Your Starting Balance & Why Does It Matter for Your Budget?

          Most of us have invisible money scripts that hold us back from reaching our financial goals. Learn what the three most common money beliefs are and how you can start taking steps to change them. 

          3 Money Beliefs That Might Be Holding You Back

  • SAVE MORE
        • Categories

        • Cut Expenses
        • Extra Income
        • Saving Tips
        • The true cost of a speeding ticket depends on your location, how fast you were driving, and any previous violations. Learn how much you can expect to pay after receiving a speeding ticket.

          Explained: The Surprising True Cost of a Speeding Ticket

          If you’re looking for ways to save, buying second-hand items might be a good idea. These 17 things are better to buy used instead of new.

          17 Things That Are Better to Buy Used Instead of New

          If you need to earn fast cash, selling household items online is the easiest way to do it. Here are 20 things in your home that you can sell right now.

          Need Cash Fast? 20 Things In Your Home You Can Sell Right Now

  • FRUGAL LIVING
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        • Beauty & Health Tips
        • DIY
        • Family & Money
        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • Forget about a New Year’s Resolution! Try setting a New Year mindset instead. It might not seem like much, but your mindset can make or break your financial goals.

          How to Improve Your Financial Mindset to Achieve Your New Year’s Goals

          It’s not too early to start helping your child build their financial future. If you want to help your child start investing, here are the steps you’ll take to get started.

          How Can My Child Start Investing?

          For many people, the holidays are a stressful and expensive time of year. Learn how to host a holiday dinner without blowing your budget this year.

          7 Steps to Hosting a Holiday Dinner on a Budget

  • DEBT & CREDIT
        • Categories

        • Credit Cards
        • Credit Report & Score
        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • It’s easy to swipe a credit card, but paying it off is an entirely different story. Here’s what you need to know about the true cost of buying on credit.

          Revealed: The Ugly Cost of Buying on Credit

          Should You Buy Your Leased Car?

          Collection accounts can be stressful, but you can bounce back. Learn how to handle collection accounts and improve your financial picture.

          Has Your Debt Been Sent to Collections? Here Are Your Options.

  • FINANCE 101
        • Categories

        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • It might be tempting to withdraw investments, especially during times of economic uncertainty. However, most people should avoid touching their investments.

          The ONLY 3 Reasons to Touch Your Investments

          It’s that time of year again! Unfortunately, we’re not talking about the holidays. Now is the time for everyone to file their taxes. Here is what you need to know.

          2021 Tax Season: How to File for Taxes Online

          It’s not too early to start helping your child build their financial future. If you want to help your child start investing, here are the steps you’ll take to get started.

          How Can My Child Start Investing?

Just because someone has a large house, luxury vehicle, and brand name clothes, that doesn’t mean that they don’t have money worries.

What It Means to be “Cash Poor” and How to Avoid It

December 10, 2020
FINANCE 101

Just because someone has a large house, luxury vehicle, and brand name clothes, doesn’t mean they don’t have money worries. It sounds like it shouldn’t happen. If someone has plenty of material View Post

Filed Under: FINANCE 101 Tagged With: BUDGET TIPS, CASH POOR, FRUGAL, FRUGAL LIVING

7 Budget-Friendly Staycation Ideas

November 5, 2020
FRUGAL LIVING

  For most people, life has slowed down significantly in 2020. We’re all spending more time at home than ever, and travel is pretty much non-existent as we try to stop the spread of View Post

Filed Under: FRUGAL LIVING, Frugal Living 101, Holidays & Occasions Tagged With: BUDGET TIPS, FRUGAL, FRUGAL LIVING, STAYCATION, VACATION

Let’s be honest: sticking to a budget is not always easy, but that doesn’t mean it’s impossible. Here’s how to live responsibly without feeling like you’re missing out!

How to Live Within Your Means Without FOMO

October 29, 2020
FRUGAL LIVING

Let’s be honest: sticking to a budget is not always easy. Sure, creating spreadsheets and developing a plan to pay off debt can help you live within your means. But what happens when the View Post

Filed Under: FRUGAL LIVING, Frugal Living 101 Tagged With: BUDGETTIPS, FRUGAL, FRUGAL LIVING

Does it feel like you just can’t get ahead when it comes to money? Even now that you’re earning more, there still seems to be nothing left over to help you get out of debt or save for the future? Your finances may be the victim of lifestyle inflation.

Lifestyle Inflation: Getting What You Deserve

February 15, 2019
FRUGAL LIVING

First, let me ask you: What causes you the most stress in life? Work? Finances? Trying to measure up? If you’re like most Americans under 50, your answer was one of these top three View Post

Filed Under: FRUGAL LIVING, Frugal Living 101 Tagged With: BUDGET TIPS, EXTRA INCOME, FRUGAL LIVING, LIFESTYLE INFLATION, SAVE MONEY

Save money by using these five solutions for cleaning your hardwood floors. Natural cleaners are not only efficient, but they are safer for your family.

5 Earth-Friendly Ways to Clean Your Hardwood Floors

May 9, 2018
FRUGAL LIVING

Floor cleaners sold by major retailers are often filled with toxins. Not only are these toxins harmful to your body, but they are also very harmful to the environment. The solution to this problem is View Post

Filed Under: FRUGAL LIVING, Household Tips Tagged With: CLEANING HACKS, CLEANING TIPS, FRUGAL LIVING, SPRING CLEANING

Bring new life to clothes that no longer have value.

5 Simple Ways to Reuse Old Clothes

May 1, 2018
FRUGAL LIVING

What do you do with your old clothes? Do you give them away? Do you try to sell them or throw them away? No one wants to pay for a pair of jeans with holes, or a sweater that has a tear in the View Post

Filed Under: FRUGAL LIVING, Frugal Living 101 Tagged With: FRUGAL LIVING, SAVE MONEY

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Hello, I'm Kumiko, but everyone just calls me Miko. Welcome to my blog, The Budget Mom. I am an Accredited Financial Counselor® , and mom to a rambunctious boy. Come along with me as I strive to live a life I love on a budget that I can afford. Read more about me.

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  • The ONLY 3 Reasons to Touch Your Investments
  • Explained: The Surprising True Cost of a Speeding Ticket
  • How to Avoid Budget Burnout: 5 Tips to Stay the Course
  • 17 Things That Are Better to Buy Used Instead of New
  • 2021 Tax Season: How to File for Taxes Online

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